National Bank of Umm Al Qaiwain NBQ Gold
National Bank of Umm Al Qaiwain NBQ Gold is a UAE credit card with bank-specific benefits. Its published minimum monthly salary is AED 8,000. The listed annual fee is AED 0. A reliable AED reward estimate is not yet available.
Bank terms reviewed 2026-10-24. Independent comparison; bank approval is required.
Dirham Score 2.9/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published salary criteria
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Bank FX charge 2.6145%; scheme charges may apply
Explore all National Bank of Umm Al Qaiwain cards and accounts · Conventional credit card · Primary bank sources reviewed 2026-10-24
Salary eligibility, annual fees and borrowing charges
- Minimum monthly salary
- AED 8,000
- Annual fee
- AED 0
- Bank FX charge
- 2.6145%; scheme fees may apply
- Monthly interest rate
- 2.49%
- Reward programme
- Other rewards
- Salary transfer required
- No published requirement
Primary annual subscription is free.
Age 21+, UAE residence, minimum one year employment with a government, semi-government or accepted private employer. Salary transfer is not mandatory. Self-employed and deposit-backed criteria differ.
Cashback or points earning rules, thresholds and caps
Base earning: 0 points per AED.
Published rates are reference terms; the bank’s transaction-level gates, classifications and rounding still apply. No annual aggregate forecast is calculated.
| Spend category | Published model rate | Category cap / month | Below-gate rate |
|---|
Why this card has no annual AED forecast
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
Published earning rates, known fees and bank conditions remain available in this review.
Check National Bank of Umm Al Qaiwain's official reward termsFirst-year AED value and conditional welcome offers
An annual reward forecast is not available for this card. Review the programme and transaction limitations below.
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
Use the personal card selector to compare cards with supported forecasts. The offer details below retain this card’s verified conditions.
Full offer and qualification details for NBQ Visa Gold Credit Card
NBQ Visa Gold Credit Card
Dirham Score 2.9/570% data coverage · editorial methodHow this score works
- + Published free-for-life annual fee
- + Published salary criteria
- + Reward limitations disclosed
- − Annual reward forecast unavailable
- − Bank FX charge 2.6145%; scheme charges may apply
Primary annual subscription is free.
Age 21+, UAE residence, minimum one year employment with a government, semi-government or accepted private employer. Salary transfer is not mandatory. Self-employed and deposit-backed criteria differ.
View breakdown
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
Calculation assumptionsRewards, fees & important conditions
Read the full NBQ Visa Gold Credit Card review and fee maths
No cinema benefit verified. · No complimentary airport lounge access established in the reviewed product sources.
Monthly interest rate: 2.49%. Bank FX charge: 2.6145%.
An annual reward forecast is not available from the verified data; this does not mean the card has no value.
The 4 February 2026 retail tariff states fees exclude 5% VAT. Monthly interest is 2.49%; KFS annual rate is 29.88%.
Bank FX fee is 2.49% before VAT (2.6145% including VAT), in addition to Visa processing charges described as approximately 1.15% in the KFS. Actual exchange and scheme costs may vary.
No standard ongoing reward rate or current cashback campaign has been established; no annual reward forecast is assigned.
A 120% security cheque may be required, or a 100%-covered fixed deposit for deposit-backed cards.
Official bank source · checked 2026-10-24Retail fee schedule effective 4 February 2026
Actual official bank product artwork, proportionally encoded for display. Image source
Lounge, cinema, valet and golf conditions
- Airport lounges: No complimentary airport lounge access established in the reviewed product sources.
- Cinema: No current offer verified
- Valet: No published benefit verified
- Golf: No published benefit verified
Exclusions and important product notes
- The 4 February 2026 retail tariff states fees exclude 5% VAT. Monthly interest is 2.49%; KFS annual rate is 29.88%.
- Bank FX fee is 2.49% before VAT (2.6145% including VAT), in addition to Visa processing charges described as approximately 1.15% in the KFS. Actual exchange and scheme costs may vary.
- No standard ongoing reward rate or current cashback campaign has been established; no annual reward forecast is assigned.
- A 120% security cheque may be required, or a 100%-covered fixed deposit for deposit-backed cards.
Other charges to check in the official tariff
Supplementary card, cash advance and late-payment fees are not consistently verified across this catalogue. They are not assumed to be zero and are excluded from rewards-only estimates. Check the linked bank schedule and key facts statement before borrowing.
How this card compares
These alternatives share its published salary bracket and broad reward type. Values use the same AED 10,000 monthly benchmark, rather than paid placement. Bank-specific approval and exclusions still apply.
ADCB 365 Cashback Credit Card
ADCB · minimum salary AED 5,000
Compare NBQ Visa Gold Credit Card with ADCB 365 Cashback Credit CardADCB Islamic 365 Cashback Card
ADCB · minimum salary AED 5,000
Compare NBQ Visa Gold Credit Card with ADCB Islamic 365 Cashback CardCBD Super Saver Visa Signature Credit Card
CBD · minimum salary AED 5,000
Compare NBQ Visa Gold Credit Card with CBD Super Saver Visa Signature Credit CardNational Bank of Umm Al Qaiwain NBQ Gold FAQs
What salary do you need for National Bank of Umm Al Qaiwain NBQ Gold?
The published minimum monthly salary is AED 8,000. The bank also assesses your application and credit profile; meeting the salary threshold does not guarantee approval.
What is the annual fee for National Bank of Umm Al Qaiwain NBQ Gold?
The listed annual fee is AED 0. Primary annual subscription is free.
Does the estimated value include borrowing costs?
No. The reward calculations assume full, on-time repayment and exclude interest or profit charges. The personal card calculator also excludes FX charges and unpriced lifestyle perks; the detailed rewards calculator can deduct verified FX charges.
Official bank sources and application information
- NBQ Visa Gold Credit Card official product terms
- National Bank of Umm Al Qaiwain: Official product page
- National Bank of Umm Al Qaiwain: Credit card KFS
- National Bank of Umm Al Qaiwain: Retail fee schedule effective 4 February 2026
- NBQ Visa Gold Credit Card official artwork source
Eligibility is subject to the bank’s full assessment. Figures are a source-reviewed snapshot. Confirm current terms before applying. Read the reward calculation and Dirham Score methodology.